Workers' Compensation Programs

Janitorial Advantage

Introducing the nations strongest integrated workers' compensation programs specifically designed to meet the complex needs of janitorial companies everywhere.

Janitorial Advantage programs combine A Rated workers compensation coverage with a suite of superior business services at a competitive all inclusive price.

Janitorial companies of all types may qualify for Janitorial Advantage Programs. 

Contact your field underwriter to find out more about our programs.

Janitorial Service Insurance

The janitorial workforce spends hours doing physical labor and working with potentially dangerous chemicals. The Occupational Safety and Health Administration (OSHA) requires those in the janitorial business to follow standards of cleanliness, and requires that employers are provided with workers’ compensation insurance to protect their employees in the event of an accident.

The Bureau of Labor Statistics reported in 2010 that janitors and cleaners suffered from 46,000 injuries that were severe enough to require time away from work. Janitorial service insurance helped cover their expenses during this time. The most common types of injuries for a cleaner to suffer are musculoskeletal disorders, exposure to harmful substances, slips, trips, and falls. Some janitorial tasks that can lead to injury include:

  • Continuous pressure of body parts against a hard surface, leading to musculoskeletal injury
  • Using a tool that pulsates
  • Bending or twisting to cause a stress injury
  • Standing for an extended period of time
  • Working in extreme heat or cold
  • Using extreme, extended force to perform a task
The Bureau of Labor Statics has determined that the field of janitorial services ranks in the top five for the number of workplace injuries and illnesses. Brokers may have a difficult time finding a company willing to offer workers’ comp (WC) insurance to their high-risk janitorial clients, but AMS Programs has experience serving the janitorial field.

How Can Janitors Stay Safe in the Workplace?

Your client has many incentives to provide a safe work environment for cleaners, and we can add one more: MartinoWest offers a rebate of up to 25% of the premium when your clients report low or no losses after a year. There are a few measures that your clients can take to reduce injuries and losses:

  • Aprons are essential to protect against the dangerous chemicals that janitors and cleaners come into contact with.
  • Appropriate footwear with a strong grip is the most effective tool against preventing slips and falls.
  • Another option is to place slip-resistant foot covers over work shoes.
  • Gloves and other appropriate protection for hands can prevent injuries from sharp tools or caustic chemicals.
  • Floor safety signs are also key: Use these to inform visitors and other employees of possible hazards, such as a freshly mopped or waxed area.
  • Back injuries are common among cleaners and can be prevented by following proper lifting procedures.
  • Protective glasses or goggles are necessary to prevent harmful chemicals from splashing in the eyes.

MartinoWest Gives Brokers and Clients a Leading Advantage

Brokers can stand out from the competition when they offer their clients the opportunity to maximize cash flow with our janitorial service insurance options. Our pay-as-you-go method means that premiums are calculated based on payroll, so billing will decrease as payroll does. This eliminates large installment payments based on estimates. There are also little or no deposits required and no premium audit bills. Our programs save clients an average of 20% or more on their workers’ comp rates. Contact a representative today to learn more about the ways MartinoWest can impress your clients with our leading outsourcing programs.